XRP 能让你成为百万富翁吗？这是它与比特币的区别

许多投资者认为加密货币是未来。 MicroStrategy (MSTR -5.62%) 董事长 Michael Saylor 认为比特币 (BTC -1.42%) 是唯一

Many investors are bullish on cryptocurrencies for the long haul. But when discussing the potential for astronomical gains, they usually focus on Bitcoin (CRYPTO:BTC) and Ethereum (CRYPTO:ETH). Could Ripple (CRYPTO:XRP) also make investors millionaires?

许多投资者长期看好加密货币。但在讨论天文收益的潜力时，他们通常关注比特币（CRYPTO：BTC）和以太坊（CRYPTO：ETH）。 Ripple（CRYPTO：XRP）也能让投资者成为百万富翁吗？

Let's compare XRP with Bitcoin and Ethereum. Then we'll examine the use case for XRP and how it could drive demand for the cryptocurrency. Finally, we'll assess the potential for XRP to make investors millionaires.

让我们将 XRP 与比特币和以太坊进行比较。然后我们将研究 XRP 的用例以及它如何推动对加密货币的需求。最后，我们将评估 XRP 让投资者成为百万富翁的潜力。

XRP vs. Bitcoin and Ethereum

XRP 与比特币和以太坊

XRP, Bitcoin, and Ether are all cryptocurrencies. They use publicly viewable transaction ledgers that are secured against unauthorized changes or fraud by multiple layers of strong encryption.

XRP、比特币和以太币都是加密货币。他们使用公开可见的交易分类账，通过多层强加密来防止未经授权的更改或欺诈。

However, that's pretty much where the similarities between these three assets end. Bitcoin is designed to be a long-term store of monetary value. The whitepaper for Bitcoin compares the cryptocurrency to physical gold. The precious metal is scarce and expensive to mine from veins of ore in the earth. Bitcoin is a digital coin with a limited supply that's programmed into the underlying computer code. The total supply of Bitcoin will never exceed 21 million, and 94% of that supply is already circulating on the open market.

然而，这几乎就是这三种资产之间的相似之处。比特币被设计为一种长期的货币价值储存手段。比特币白皮书将加密货币与实物黄金进行了比较。从地球的矿脉中开采这种贵金属十分稀有且昂贵。比特币是一种供应有限的数字货币，已被编程到底层计算机代码中。比特币的总供应量永远不会超过 2100 万枚，其中 94% 的供应量已经在公开市场上流通。

XRP also has a limited supply, but it was created with a completely different purpose in mind. XRP is the functional token for the RippleNet payments service, which is operated by Ripple Labs in partnership with dozens of local banks around the world. The goal of RippleNet is to facilitate fast, low-fee, and secure money transfers across international borders. Since the system was launched in 2012, XRP tokens have been used to transfer more than $2.8 trillion.

XRP 的供应量也有限，但它的创建目的完全不同。 XRP 是 RippleNet 支付服务的功能代币，该服务由 Ripple Labs 与全球数十家当地银行合作运营。 RippleNet 的目标是促进快速、低费用且安全的跨境资金转移。自 2012 年该系统推出以来，XRP 代币已用于转账超过 2.8 万亿美元。

RippleNet's efficiency could revolutionize global payments

RippleNet 的效率可能会彻底改变全球支付

The question, then, isn't whether XRP can measure up to Bitcoin or Ethereum, but whether there's a long-term need for RippleNet's international money transfers. If you've ever sent money abroad or received a payment from overseas recently, you'll probably answer that question with a resounding "yes."

那么，问题不在于 XRP 能否与比特币或以太坊相媲美，而在于 RippleNet 的国际汇款是否有长期需求。如果您最近曾经向国外汇款或收到过来自海外的付款，您可能会响亮地回答这个问题“是”。

Payments that cross borders often take several days to clear, with multiple middlemen taking a cut along the way. Unfavorable exchange rates also tend to keep more money in the hands of payment processors. RippleNet currently charges 0.00001 XRP per transaction, even for very large money transfers. At today's XRP price, that works out to around 50 millionths of a dollar per transfer, or 5 thousandths of a cent. Each transaction is settled in three to six seconds.

跨境支付通常需要几天时间才能清算，中间会有多个中间商从中抽取佣金。不利的汇率也往往会让更多的钱留在支付处理商手中。 RippleNet 目前对每笔交易收取 0.00001 XRP，即使对于非常大的资金转账也是如此。按照今天的 XRP 价格计算，每次转账的费用约为百万分之 50 美元，即千分之五美分。每笔交易在三到六秒内完成。

So, there's a clear preference for Ripple and XRP over old-school banking methods for a good reason. This is already a successful service that will likely continue to grow as people integrate cryptocurrencies into their daily lives.

因此，人们明显偏爱瑞波币和瑞波币而不是老式银行业务方法，这是有充分理由的。这已经是一项成功的服务，随着人们将加密货币融入日常生活，该服务可能会继续增长。

Where XRP could go after the SEC challenge

SEC 挑战后 XRP 的走向

XRP has largely been battered by a legal challenge from the U.S. Securities and Exchange Commission (SEC), which alleged that Ripple Labs sold tokens to investors without first registering them as stock-like securities. However, the courts have ruled in favor of Ripple, and the SEC may choose not to appeal the verdict. The deadline for the Commission to file an appeal is October 7.

XRP 在很大程度上受到了美国证券交易委员会 (SEC) 的法律挑战的打击，该委员会指控 Ripple Labs 在没有首先将代币注册为股票类证券的情况下向投资者出售代币。然而，法院做​​出了有利于 Ripple 的裁决，SEC 可能会选择不对该裁决提出上诉。委员会提出上诉的截止日期是 10 月 7 日。

The cryptocurrency didn't soar when the legal dust settled. The coin price fell more than 50% when the SEC filed its lawsuit in December 2020, and XRP's chart has looked like a cross between Bitcoin and Ethereum ever since.

当法律尘埃落定后，加密货币并没有飙升。当 SEC 于 2020 年 12 月提起诉讼时，XRP 的价格下跌了 50% 以上，从那时起，XRP 的图表看起来就像是比特币和以太坊的交叉点。

From a purely market mechanics perspective, XRP looks like a lower-priced version of Bitcoin. However, the two currencies are fundamentally different, so that may not be an accurate analysis.

从纯粹的市场机制角度来看，XRP 看起来像是比特币的低价版本。然而，这两种货币根本不同，因此这可能不是准确的分析。

It's tough to say with certainty how much further XRP could rise from its current price of around $0.56 per token. But I do expect the RippleNet payments service to gain traction over the years, and the XRP token should increase in value as a result. I wouldn't classify XRP as a get-rich-quick scheme, but patient investors are likely to reap substantial returns over the long term.

很难确定 XRP 会从目前每枚代币 0.56 美元左右的价格进一步上涨多少。但我确实预计 RippleNet 支付服务将在未来几年内获得关注，而 XRP 代币的价值应该会因此而增加。我不会将 XRP 归类为快速致富计划，但从长远来看，耐心的投资者可能会获得可观的回报。